JP2003022407A - Electronic money system, storage device and terminal equipment - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide an electronic money system which can improve the security of electronic money by setting fixed limits to the use of the electronic money itself and to provide a storage device and terminal equipment. SOLUTION: The electronic money system 1 comprises an electronic money generating means 2 which generates the electronic money whose use is limited by a plurality of different use limits, an electronic money storage means 4 which stores one or more kinds of electronic money generated by the electronic money generating means 2 so that they are set to the use limits, an electronic money limiting means 6 which sets the fixed limits to the use of the electronic money stored in the electronic money storage means 4, an electronic money judging means 5 which judges whether the electronic money can be used, and a sharing means 3 that the electronic money judging means 5 and electronic money generating means share.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an electronic money system, a storage device and a terminal device which can restrict various uses of electronic money.

[0002]

2. Description of the Related Art As a conventional electronic money system of this type, for example, one described in Japanese Patent Laid-Open No. 9-245108 is known. This electronic money system is composed of a storage device in which money amount information in place of cash is set, and a reading / writing device capable of reading and writing money amount information stored in the storage device. Electronic money using electronic money instead of cash is used. Payment is feasible.

[0003]

However, in such a conventional electronic money system, it is possible to set a mechanism for restricting the use of electronic money in a device or the like for storing electronic money. The use of electronic money itself is not restricted, and electronic money has the value that it can be used freely like cash.

Therefore, when the device storing the electronic money is lost or the like, even if the use of the device storing the value of the electronic money is stopped to prevent the illegal use, the conventional cash and credit are used. As with cards and the like, the amount used until the time of discontinuation was usually treated as a legitimate process, so there was a problem with safety.

The present invention is intended to solve the above-mentioned conventional problems, and an electronic money system and a storage device which can improve the security of electronic money by setting a certain limit on the use of electronic money itself. An object is to provide a device and a terminal device.

[0006]

In the electronic money system of the present invention, creating means for creating electronic money whose use is restricted by a plurality of different usage restriction items, and setting of a plurality of different usage restriction items by the creation means. Storing means for storing electronic money created as described above, limiting means for applying a certain limitation to the use of electronic money stored in the storing means, and sharing for sharing the limiting means and the creating means And means.

With such a configuration, electronic money set with a plurality of different usage restrictions (product limitation, season, place, amount of money, etc.) is created, and the created electronic money is stored in the storage means. By sharing the use restriction information of the creation of the use restriction of the electronic money and the determination of the use of the electronic money as the use restriction information, it is possible to set the use restriction on the electronic money itself and determine whether the use is permitted.

As a result, electronic money with use restrictions can be distributed and spread, and an electronic money system with various additional functions can be realized.

The electronic money system is provided with a sharing means because a plurality of different use restriction items (items belonging to different fields such as product limitation, season, place, price, etc.) are set in the electronic money. This is because it is not possible to make detailed judgments on the restrictions on the use of electronic money unless the system also has what determines whether or not the money can be used.

For example, if a special use restriction for purchasing a stationery shop of 500 yen is set for electronic money, it can be used within 500 yen at a stationery shop in a shopping district, but a stationery shop can be used. It is necessary to share the information to judge that it can not be used at 500 yen or more, or at a greengrocer.

The storage device of the present invention comprises a usable range managing means for managing the usable range of the electronic money, and an electronic money managing means for managing the electronic money whose use is restricted by the usable range managing means. And a notification means for notifying the user of the usable range of the electronic money.

With such a configuration, information relating to management of electronic money itself, which has not been taken into consideration in the conventional storage device, can be stored for each electronic money, and the management information is used when using restricted electronic money. In addition, the management information can be notified to the user.

The terminal device of the present invention comprises a judgment means for judging the usable range of the electronic money whose use is restricted,
And limiting means for limiting the use of the electronic money based on the determination result of the determining means.

With such a configuration, it is difficult to limit the use of electronic money in the past. For electronic money, the use limit is managed in the storage device so that the user can limit the use of the electronic money. Can be realized.

Further, the electronic money system of the present invention comprises a creating means for creating electronic money whose use is restricted,
Storage means for storing the electronic money created by the creating means, restriction means for restricting the usage of the electronic money stored in the storage means, and sharing means for sharing the restriction means and the creating means It is configured with.

With such a configuration, the intended use (book,
Create electronic money with restricted use items such as food and transportation expenses, etc., and store the created electronic money in a storage means to create restrictions on the usage of this electronic money and to use the electronic money. By sharing the determination as the usage limitation information by the sharing means, it is possible to determine whether or not the electronic money can be used while setting the usage limitation on the electronic money itself.

It should be noted that the electronic money system is provided with a sharing means because the use purpose (use items such as books, foods, transportation expenses, etc.) is set for the electronic money, and therefore whether or not the electronic money can be used. This is because it is not possible to make detailed judgments on the restrictions on the use of electronic money unless the system also has a means for judging.

[0018] For example, if a limit is set for the purpose of using electronic money for purchasing stationery, it is necessary to share information for determining that it can be used at a bookstore but not at a clothing store. There is.

Further, the storage device of the present invention comprises a use purpose managing means for managing the use purpose of the electronic money, and an electronic money managing means for managing electronic money whose use purpose is restricted by the use purpose managing means. And a notification means for notifying the user of the intended use of the electronic money.

With such a configuration, information relating to management of electronic money itself, which is not considered in the conventional storage device, can be stored for each electronic money, and management information is used when using electronic money whose usage is restricted. In addition to being available, management information can be communicated to the user.

In the terminal device of the present invention, the judgment means for judging the usage purpose of the electronic money whose usage purpose is restricted, and the restriction for restricting the usage of the electronic money based on the judgment result of the judgment means. And means.

With such a configuration, it is difficult to limit the intended use of the electronic money itself to the electronic money. It is possible to implement processing such as applying restrictions.

Further, the electronic money system of the present invention comprises a creating means for creating electronic money whose usage period is limited,
It comprises a storage means for storing the electronic money created by the creation means, and a restriction means for restricting the period of use of the electronic money stored in the storage means.

With such a configuration, the period of use (from January 1, 2001 to May 31, 2001, every Saturday and Sunday, every month 10th, 2001
It is possible to create electronic money having a limited time period (for example, within a year) and store the electronic money in the storage means, and determine whether the electronic money can be used.

As a result, electronic money with use restrictions can be distributed and spread, and an electronic money system with various additional functions can be realized.

It should be noted that the electronic money system is not provided with a sharing means because the usage period is common to the electronic money, and the electronic money itself can be easily set and the judgment as to whether or not the electronic money can be used is shared. This is because it is not necessary for the system side to have means for doing so.

The storage device of the present invention further comprises a usage period management means for managing a usage period of the electronic money, and an electronic money management means for managing the electronic money whose usage period is limited by the usage period management means. And a notification means for notifying the user of the usage period of the electronic money.

With such a configuration, it is possible to store, for each electronic money, information about management of the electronic money itself, which is not considered in the conventional storage device, and the management information is stored when the electronic money whose usage period is limited is used. In addition to being available, management information can be communicated to the user.

Further, the terminal device of the present invention is a restriction means for judging the usage period of the electronic money whose usage period is restricted, and a restriction for restricting the use of the electronic money based on the judgment result of the judgment means. And means.

With such a configuration, it is difficult to limit the period of use of electronic money in the past. For electronic money, the use limit is managed by a storage device so that the user can limit the use of the electronic money. The processing of can be realized.

Further, the electronic money system of the present invention comprises a creating means for creating electronic money whose use area is restricted,
Storage means for storing the electronic money created by the creating means; restriction means for restricting a usage area of the electronic money stored in the storage means; and sharing means for sharing the restriction means and the creating means It is configured with.

With such a structure, electronic money is created in which the use area (administrative division of country / prefecture, municipality, division by telephone number, general organization such as company organization, residence / regional organization, etc.) is restricted. In addition, the created electronic money is stored in the storage means, and the creation of the restriction of the usage area of the electronic money and the determination of the use of the electronic money are shared as the restriction information of the usage area by the sharing means. It is possible to determine whether or not the device can be used while setting the restriction on the area of use.

As a result, it is possible to distribute and disseminate electronic money in which the use area is restricted, and it is possible to realize an electronic money system with various additional functions.

The electronic money system is provided with a sharing means because the electronic money is used in various areas (administrative divisions such as counties, cities, towns and villages, telephone numbers, company organizations, residences / regional organizations, etc.). This is because if the system side does not have a means for judging whether or not the electronic money can be used when the electronic money is used, it is not possible to make a detailed judgment on the restriction of the usage area of the electronic money.

For example, in the case of using electronic money set in Tokyo and electronic money set in Osaka as the areas of use, information for determining that it cannot be used in areas other than Tokyo or Osaka Need to share.

Further, the storage device of the present invention comprises a usage area management means for managing the usage area of the electronic money, and an electronic money management means for managing electronic money whose usage area is restricted by the usage area management means. And a notification means for notifying the user of the usage area of the electronic money.

With such a configuration, information relating to management of electronic money itself, which is not considered in the conventional storage device, can be stored for each electronic money, and management information is used when using electronic money whose use area is restricted. In addition to being available, management information can be communicated to the user.

Further, the terminal device of the present invention is a restriction means for judging the usage area of the electronic money in which the usage area is restricted, and a restriction for restricting the use of the electronic money based on the judgment result of the judgment means. And means.

With such a configuration, it is difficult to limit the usage area to the electronic money itself in the past. By controlling the usage area in the storage device, the usage restriction can be restricted by the user. Processing such as calling can be realized.

Further, the electronic money system of the present invention includes a creating means for creating electronic money in which the maximum amount of money used for a certain period is limited, a storage means for storing the electronic money created by the creating means, and the storage. The electronic money stored in the means includes a limiting means for limiting the maximum amount of money used for a certain period.

With such a configuration, the maximum usage amount (1
The maximum amount of money is 500 yen per day, the maximum is 5000 yen per month, and the maximum is 5000 yen every Saturday and Sunday. Whether or not to use can be determined.

As a result, electronic money with use restrictions can be distributed and spread, and an electronic money system with various additional functions can be realized.

It should be noted that the electronic money system is not provided with a sharing means because the maximum amount of money used is common to electronic money, and the electronic money itself can be easily set, and whether or not to use it can be determined. This is because it is not necessary for the system side to have a means for sharing.

Further, the storage device of the present invention stores the maximum spending amount managing means for managing the maximum spending amount of the electronic money for a certain period, and the electronic money for which the maximum spending amount is limited by the maximum spending amount managing means. It comprises electronic money management means for managing, and notification means for notifying the user of the maximum amount of use of the electronic money within a fixed period.

With such a configuration, information relating to management of electronic money itself, which is not considered in the conventional storage device, can be stored for each electronic money, and management is performed when using the electronic money whose maximum usage amount is limited. In addition to the information being available, management information can be communicated to the user.

Further, the terminal device of the present invention comprises a judgment means for judging the usage period of the electronic money whose maximum usage amount is limited for a certain period, and the use of the electronic money based on the judgment result of the judgment means. It has a limiting means for limiting.

With such a configuration, it is difficult for the electronic money itself to limit the maximum amount of money used in the past. It is possible to implement processing such as applying restrictions.

[0048]

BEST MODE FOR CARRYING OUT THE INVENTION Embodiments of the present invention will be described below with reference to the drawings.

1 to 4 show a first embodiment of an electronic money system, a storage device and a terminal device according to the present invention.

First, the structure will be described. In FIG. 1, an electronic money system 1 is an electronic money creating means (creating means).
2, sharing means 3, electronic money storage means (storage means) 4,
It is composed of an electronic money judgment means 5, an electronic money restriction means 6 and an electronic money settlement means 7.

The electronic money is created by the electronic money creating means 2, and the created electronic money is stored in the electronic money storage means 4. At the time of using the stored electronic money, the electronic money judging means 5 judges the condition of use restriction. The information on the use restriction used at this time is shared between the electronic money creating means 2 and the electronic money judging means 5 by using the sharing means 3 for sharing the restriction method in advance. The use of the electronic money restriction unit 5 is actually restricted by the determined information, and the electronic money payment unit 7 makes payment if necessary. In the present embodiment, the electronic money judging means 5 and the electronic money restricting means 6 are combined into a restricting means.

Next, the processing flow of the electronic money system 1 will be described.

First, the sharing means 3 for sharing the limiting method shares the limiting method between the creating means 2 and the judging means 5. Examples of the sharing means include wireless communication such as artificial satellite, wired communication such as telephone, and C
A storage medium such as a D-ROM or a floppy (registered trademark) disk may be used.

The limiting method shared by the sharing means 3 is used to create electronic money. The electronic money creating means 2 for restricting the use in advance is a means capable of incorporating the limiting method at the same time when creating the electronic money. For example, the information of the limiting method itself and the limiting method are described. Embedding code corresponding to another list, further embedding an electronic key for designating a code corresponding to another list that describes the restriction method, embedding a digital signature for electronic money itself, encryption for electronic money itself Etc.

The electronic money created by the electronic money creating means 2 having the above-mentioned structure and whose use is restricted beforehand is stored in the electronic money storage means 4. The electronic money storage means 4 is a storage medium such as an IC card or a floppy disk, a storage medium such as a hard disk, a magneto-optical disk, a writable CD, or a storage device at a communication destination via wired / wireless communication or the like. Can be given.

The electronic money stored in the electronic money storage means 4 is used by the electronic money judging means 5 in use.
It is judged whether or not it can be used. As the electronic money judging means 5, a limiting method shared in advance by the sharing means 3 for sharing the limiting method is used, and information on the limiting method is taken out from the electronic money storage means 4 in order to actually perform the limitation. , By using wireless communication such as artificial satellites, by wire communication such as telephone, to determine the limit information dynamically, or by using storage media such as CD-ROM, floppy disk, fixed disk Restrictions are enforced.

Examples of such a judgment condition include a condition such as a certain region or a certain organization that requires sharing information by the sharing means 3 in advance. When the electronic money judging means 5 judges that the use is permitted, the use is not restricted by the electronic money restricting means 6, and further, if necessary,
The electronic money settlement means 7 completes the settlement in the same manner as conventional electronic money. When it is determined that the use of electronic money is prohibited, the electronic money limiting means 6 limits the use of electronic money.

In the present embodiment, a plurality of usage restrictions different from electronic money are used as the usage restrictions, for example, the season, place, and amount of money, such as a cupone ticket in a shopping district that has been realized by an original method in each area.・ Limits such as product limits are set.

As described above, in this embodiment, the electronic money system 1 is provided with electronic money creating means 2 for creating electronic money whose use is restricted by a plurality of different use restrictions.
Electronic money storage means 4 for storing one or a plurality of electronic money created so as to be set to a plurality of different usage restrictions by the electronic money creation means 2, and use of the electronic money stored in the electronic money storage means 4. The electronic money restricting means 6 which applies a certain restriction to the electronic money, the judging means 5 which judges whether the electronic money can be used, and the electronic money judging means 5 and the sharing means which shares the electronic money creating means 7 are different from each other. Multiple usage restrictions (product only, season, location,
While creating electronic money set to (amount etc.),
The created electronic money is stored in the electronic money storage means 4, and the creation of the usage restriction of the electronic money and the judgment of the usage of the electronic money are shared as usage restriction information by the sharing means 3 to be used for the electronic money itself. It is possible to determine whether or not the device can be used while setting restrictions.

As a result, it is possible to distribute and disseminate electronic money equivalent to coupon tickets with usage restrictions, and to realize an electronic money system with various additional functions.

The electronic money system is provided with the sharing means 3 because the electronic money has a plurality of different usage restrictions (commodity limitation, season, place, price, etc., which belong to different fields).
This is because, when the electronic money is used, the system side does not have a means for judging whether or not the electronic money can be used, and therefore it is not possible to make a detailed judgment on the restriction on the use of the electronic money.

For example, if an exclusive use restriction for purchasing a stationery shop for 500 yen is set for electronic money, it can be used within 500 yen at a stationery shop in a shopping district, but a stationery shop can be used. It is necessary to share the information to judge that it can not be used at 500 yen or more, or at a greengrocer.

Next, the storage device will be described with reference to FIG. The storage device in FIG. 2 is an electronic money storage means 4
Will be described in detail.

In FIG. 2, the storage device 10 is a storage means 11,
It is composed of electronic money management means 12, usage restriction management means (usable range management means) 13 and notification means 14.

The storage means 11 is a recording medium for storing information, and the notification means 14 notifies the external device of the information on the use restriction stored in the storage means 11. The electronic money is managed by the electronic money management means 12, and the condition of restriction on the usable range of the electronic money is managed by the usage restriction management means 13.

Next, the operation of the storage device 10 will be described with reference to FIG.

When electronic money is stored in the storage device 10,
The storage itself is performed by the storage means 11. At this time, information on the usage restriction is recorded at the same time. Storage device 10
Inside, information about electronic money, electronic money management means
The management information of the electronic money is managed by the use restriction management means 12. When there is a request to use the electronic money in the storage device 10, the storage device 10 notifies the information by the use restriction management means 13 by the notification means 14. Based on the notification information, the electronic money determination means 5 determines whether the electronic money is actually used, and the storage means is used when the electronic money is used.
11 is used.

With such a configuration, information relating to management of electronic money itself, which is not considered in the conventional storage device, is stored for each electronic money, and the management information can be used when using the restricted electronic money. .

Next, the configuration of the terminal device will be described with reference to FIG. In FIG. 3, a terminal device 20 shows a detailed structure of the electronic money judging means 5, and the terminal device 20 is composed of a judging means 21, a limiting means 22 and a reading means 23.

The judgment of the use of the electronic money by the restriction of use is made by the judgment means 21, and the terminal device 20 restricts the use itself by the restriction means 22 based on this information. Electronic money and electronic money use restriction information are read by the reading means 23.

Next, the operation flow of the terminal device 20 will be described with reference to FIG.

When the terminal device 20 uses the electronic money whose use is restricted in the storage device 10, the judging means 21 judges whether the electronic money can be used in the terminal device 20 used.

This judgment may be of a self-judgment type that is performed independently, or of a shared information type that is determined by performing communication with another device. If the judging means 21 judges that the electronic money is usable, the storage device 10 in which the electronic money is stored
Electronic money can be read from and used.

With such a structure, anyone can freely use the electronic money, which has been a problem in the past, and the restricted electronic money can be distributed and used.

As shown in FIG. 4, depending on the terminal device 20, a terminal device 20 having a writing means 24 for writing to the storage device 10 may be used. You can write to.

Next, the electronic money system according to the present invention,
A second embodiment of the storage device and the terminal device will be described. It should be noted that the present embodiment relates to electronic money whose usage is limited, and since this point is different from the first embodiment, it will be described with reference to the drawings of the first embodiment.

The configuration of the electronic money system 1 shown in FIG. 1 is the same as that of the first embodiment of the present invention.

The processing flow of the electronic money system 1 is the same as that of the first embodiment of the present invention, and the usage purpose is used as the usage restriction. Intended use refers to items that generally categorize the main intended use such as use items such as books, food, and transportation expenses.

With such a configuration, it has been difficult in the past to place restrictions on the use of electronic money itself, but it is easy to set restrictions on the use of electronic money so that the users can restrict usage. Processing can be realized. This allows you to limit the use of cash by limiting the uses that can be used in advance such as pocket money or use for children, or to exclude settings that are not normally used for electronic money. By doing so, it becomes possible to detect an unauthorized use for an unexpected purchase and stop the use in case of loss. In addition, it will be possible to create securities such as book tickets and stationery tickets that are currently issued by individuals, there will be no need to purchase book tickets, and there will be advantages that transfer to other people can be easily realized. .

Next, the storage device 20 will be described with reference to FIG. The configuration of the storage device 3 shown in FIG. 1 is similar to that of the first embodiment of the present invention.

The processing flow of the storage device 10 is the same as that of the first embodiment of the present invention, and the usage purpose is used as the usage restriction. In the present embodiment, the usage restriction management means 13 constitutes usage purpose management means.

With such a configuration, it is difficult to limit the intended use of electronic money in the past. By controlling the intended use of the electronic money in the storage device, the intended use is limited by the user. And so on.

Next, the terminal device will be described with reference to FIG. The configuration of the terminal device 20 shown in FIG. 3 is similar to that of the first embodiment of the present invention.

The processing flow of the terminal device 20 is the same as that of the first embodiment of the present invention, and the usage purpose is used as the usage restriction.

With such a configuration, it is possible to determine whether or not the electronic money itself can be used depending on the intended use of the electronic money, which has been conventionally difficult to limit the intended use. It is possible to implement processing such as applying a call.

Even in the present embodiment, depending on the terminal device 20, the terminal device 20 having the writing means 24 to the storage device 10 may be used as shown in FIG. Writing into the storage device 10 can be performed by the plug-in means 24.

Next, the electronic money system according to the present invention,
A third embodiment of the storage device and the terminal device will be described based on FIG. It should be noted that the present embodiment relates to electronic money whose usage period is limited, and this point is the only difference from the first embodiment. Therefore, regarding the configurations of the storage device and the terminal device, refer to the drawings of the first embodiment. The explanation will be made with reference.

In FIG. 5, the electronic money system 30 is
It is composed of electronic money creating means (creating means) 31, electronic money storage means (storage means) 32, electronic money judgment means 33, electronic money restriction means (limitation means) 34, and electronic money settlement means 35.

The electronic money creating means 31 is adapted to create electronic money whose use period is limited, and the electronic money created by the electronic money creating means 31 is stored in the electronic money storage means 32.

When the electronic money stored in the electronic money storage means 32 is used, the electronic money determination means 34 determines the use restriction condition. According to the judged information, the use is actually restricted by the electronic money restricting means 34,
Payment is made by the electronic money payment means 35 if necessary.

Next, the electronic money system 1 of this embodiment
The flow of the process will be described with reference to FIG.

The electronic money creating means 31 and the electronic money restricting means 34 use restricting methods that can be independently determined and set.

The electronic money creating means 31 for restricting use in advance can incorporate this restricting method at the same time when creating electronic money. As the creating means 31, for example, a key for incorporating information on the limiting method itself, incorporating a code corresponding to another list describing the limiting method, and further specifying a code corresponding to another list describing the limiting method Embedded, electronic signature of electronic money itself, encryption of electronic money itself, and the like.

The electronic money created by the creating means 31 whose use is restricted in advance is stored in the electronic money storage means 32. This electronic money storage means 32
Examples include storage media such as IC cards and floppy disks, storage media such as hard disks, magneto-optical disks, and writable CDs, and storage means to a storage device at a communication destination via wired / wireless communication or the like. .

The electronic money stored in the electronic money storage means 32 is used by the electronic money judging means 33 in using the electronic money.
It is judged whether or not it can be used. The electronic money judging means 33 is capable of making a judgment independently, such as time and temperature.

When the electronic money determination means 33 determines that the use is permitted, the use is not restricted by the electronic money restriction means 34, and if necessary, the electronic money settlement means 35 performs the same operation as the conventional electronic money. Complete the payment. If it is determined that the use of the electronic money is prohibited, the electronic money limiting unit 34 limits the use of the electronic money. When the electronic money restricting means 34 determines that the electronic money can be used, the electronic money settlement means 35 completes the payment as in the conventional electronic money.

In this embodiment, the processing flow of the electronic money system 1 is the same as that of the first embodiment of the present invention, and the usage period is used as the usage restriction. The term of use refers to the limitation of the period of use, such as from January 1, 2001 to May 31, 2001, every Saturday and Sunday, every 10th day of the month, and within 2001.

With such a configuration, it has been difficult in the past to impose a period of use on the electronic money itself, but it is possible to realize processing such as setting a desired period of use limitation on the electronic money by the user. As a result, it becomes easy to issue a service ticket or the like whose use period has been determined in advance, and since the use period can be determined, it can be a means for preventing unauthorized use due to loss. further,
If you set it to be valid by specifying the day of the week and the date,
It is possible to improve the security of a storage medium storing electronic money that is not used on weekdays.

In this embodiment, the sharing means is not provided because the usage period is common to electronic money,
This is because the electronic money itself can be easily set, and it is not necessary for the system side to have a means for sharing the decision as to whether or not the electronic money can be used.

Next, the storage device will be described with reference to FIG. The storage device has the same configuration as that of the first embodiment of the present invention.

The processing flow of the storage device 10 is similar to that of the first embodiment of the present invention, and the usage period is used as the usage restriction. In the present embodiment, the usage restriction management means 13 constitutes usage period management means.

With such a configuration, it is difficult to limit the period of use of electronic money in the past. By controlling the period of use of the electronic money by the storage device, the period of use is limited by the user. And so on.

Even in the present embodiment, depending on the terminal device 20, the terminal device 20 having the writing means 24 to the storage device 10 may be used as shown in FIG. Writing into the storage device 10 can be performed by the plug-in means 24.

Next, the terminal device will be described with reference to FIG. The terminal device has the same configuration as that of the first embodiment of the present invention.

The processing flow of the terminal device 20 is similar to that of the first embodiment of the present invention, and the usage period is used as the usage restriction.

With such a configuration, it is possible to judge whether or not the electronic money itself can be used according to the period of use of the electronic money, which has been difficult to limit the period of use of the electronic money in the past, and the period of use by the user is limited. It is possible to implement processing such as applying a call.

Even in the present embodiment, depending on the terminal device 20, the terminal device 20 having the writing means 24 to the storage device 10 may be used as shown in FIG. Writing into the storage device 10 can be performed by the plug-in means 24.

Next, the electronic money system according to the present invention,
A fourth embodiment of the storage device and the terminal device will be described. It should be noted that the present embodiment relates to electronic money in which the use area is limited, and since this point is only different from the first embodiment, it will be described with reference to the drawings of the first embodiment.

The processing flow of the electronic money system 1 of this embodiment is the same as that of the first embodiment of the present invention, and the usage area is used as the usage restriction. The usage area refers to an administrative division such as a country, prefecture, town, village, etc., a division by telephone number, a company organization, a residence / regional organization, etc., which is generally a place for purchasing.

With such a configuration, it has been difficult in the past to place restrictions on the use area of electronic money itself, but it is easy to set a usage area limit for such electronic money, and a usage area restriction is imposed by the user. And so on. As a result, it becomes possible to circulate electronic money limited to the area, and electronic money having excellent adaptability to local services such as administrative services can be created. In addition, it is very easy for a company to distribute electronic money that can be used only within a company organization, and for railway companies to issue electronic money that can be used only for purchasing fares or purchasing goods at a shop in a station. In this way, issuing electronic money restricted to regional units maintains the convenience and effect of the issuing side of the settlement system of the regional unit, which was conventionally realized by unique methods, while the user side also This brings the advantage that it can be used in combination with electronic money.

Next, the storage device will be described with reference to FIG.

In this embodiment, the processing flow of the storage device is the same as in the first embodiment of the present invention, and the usage area is used as the usage restriction. In the present embodiment, the usage restriction management means 13 constitutes a usage area management means.

With such a configuration, it is difficult to limit the use area to the electronic money itself, and the use area is managed by the storage device so that the use area is restricted by the user. And so on.

Next, the terminal device will be described with reference to FIG.

Regarding the processing flow of the terminal device,
Similar to the first embodiment of the present invention, the use area is used as the use restriction.

With such a configuration, it is possible to determine whether the electronic money itself can be used or not depending on the usage area of the electronic money, which has conventionally been difficult to restrict the usage area to the electronic money itself. It is possible to implement processing such as applying a call.

Even in the present embodiment, depending on the terminal device 20, the terminal device 20 having the writing means 24 to the storage device 10 may be used as shown in FIG. Writing into the storage device 10 can be performed by the plug-in means 24.

Next, the electronic money system according to the present invention,
A fifth embodiment of the storage device and the terminal device will be described. It should be noted that the present embodiment relates to electronic money in which the maximum amount of money used is restricted, and this point is the only difference from the third embodiment. Therefore, description will be given with reference to the drawings of the third embodiment. Since the storage device and the terminal device are the same as those in the first embodiment, they will be described with reference to the drawings of the first embodiment.

The processing flow of the electronic money system 1 of this embodiment is the same as that of the first and third embodiments of the present invention, and the maximum usage amount of money for a certain period is used as a restriction and no sharing means is required. The maximum amount of money used for a certain period is a maximum of 500 yen per day, a maximum of 5000 yen per month, and a maximum of 5000 yen every Saturday and Sunday.

With such a configuration, for electronic money, which was conventionally difficult to limit the maximum amount of money used for a certain period of time, it is easy to set a maximum amount of money used for a certain period of time for the electronic money. It is possible to realize processing such as applying a certain limit to the amount of money used.

Next, the storage device will be described with reference to FIG.

Regarding the flow of operation of the storage device,
This is the same as the first embodiment of the present invention, and the usage restriction is 1
Maximum amount is 500 yen per day, maximum is 5000 yen per month, maximum is 5000 yen every Saturday and Sunday.

With such a configuration, with respect to electronic money, which has been conventionally difficult to limit the maximum amount of money used for a certain period of time, the storage device manages the limitation of the maximum amount of money used for a certain period. Thus, it is possible to realize processing such as imposing a certain limit on the amount of money used by the user.

Next, the terminal device of the present invention will be described with reference to FIG.

Regarding the processing flow of the terminal device,
This is the same as the first embodiment of the present invention, and the usage restriction is 1
A maximum limit of 500 yen per day, a maximum of 5,000 yen per month, and a maximum of 5,000 yen every week on Saturdays and Sundays are used. In the present embodiment, the usage limit management means 13 constitutes the maximum usage amount management means.

With such a configuration, it has been difficult in the past to spend the maximum amount of money spent on electronic money itself for a certain period of time. However, by using this device, the terminal device 20 can be used according to the period of use. Can be determined, and processing such as the limitation of the usage period by the user can be realized. This makes it easier to manage your wallet if you make settings such that you cannot use more than a certain amount per day, and you cannot use more than the set amount for unauthorized use when lost, so compare to other restriction methods. , Very effective in preventing unauthorized use.

Even in the present embodiment, depending on the terminal device 20, the terminal device 20 having the writing means 24 to the storage device 10 may be used as shown in FIG. Writing into the storage device 10 can be performed by the plug-in means 24.

[0128]

According to the present invention, it is possible to distribute and popularize electronic money with various usage restrictions, and to provide an electronic money system, a storage device and a terminal device with various additional functions. .

[Brief description of drawings]

FIG. 1 is a block diagram of first, second and fourth embodiments of an electronic money system, a storage device and a terminal device according to the present invention.

FIG. 2 is a block diagram of a storage device according to first to fifth embodiments.

FIG. 3 is a block diagram of a terminal device according to first to fifth embodiments.

FIG. 4 is a block diagram of another terminal device according to the first to fifth embodiments.

FIG. 5 is a block diagram of third and fifth embodiments of an electronic money system, a storage device, and a terminal device according to the present invention.

[Explanation of symbols]

1, 30 electronic money system 2, 31 electronic money creating means (creating means) 3 sharing means 4, 32 electronic money storing means (storage means) 5 electronic money judging means (limiting means) 6, 34 electronic money limiting means (limiting means) ) 10 storage device 12 electronic money management means 13 usage restriction management means (usable range management means, intended use management means, usage period management means, usage area management means,
Maximum amount of money management means) 20 Terminal

Claims (15)

[Claims] 1. Storage means for creating electronic money whose use is restricted by a plurality of different usage restriction items, and electronic money created by the creation means so as to be set to a plurality of different usage restriction items. Electronic money comprising: storage means, restriction means for applying a certain restriction to the use of electronic money stored in the storage means, and sharing means for sharing the restriction means with the creating means. system. 2. A storage device provided in the electronic money system according to claim 1, wherein a usable range management unit manages a usable range of the electronic money, and a use limit is set by the usable range management unit. A storage device comprising: electronic money management means for managing the electronic money; and notification means for notifying a user of a usable range of the electronic money. 3. A terminal device provided in the electronic money system according to claim 1, wherein the judgment means judges the usable range of the electronic money whose use is restricted, and the judgment result of the judgment means. And a limiting means for limiting the use of the electronic money. 4. A creating means for creating electronic money whose usage is restricted, a storage means for storing the electronic money created by the creating means, and a usage for the electronic money stored in the storage means. An electronic money system comprising: a restricting unit for controlling the restricting unit and a sharing unit for sharing the restricting unit and the creating unit. 5. The storage device provided in the electronic money system according to claim 4, wherein the intended use managing means for managing the intended use of the electronic money, and the intended use are restricted by the intended use managing means. A storage device comprising: electronic money management means for managing electronic money; and notification means for notifying a user of the intended use of the electronic money. 6. A terminal device provided in the electronic money system according to claim 4, wherein a judgment means for judging the usage purpose of the electronic money whose usage purpose is restricted, and a judgment result of the judgment means. A terminal device for restricting use of the electronic money based on the terminal device. 7. A creating unit for creating electronic money whose usage period is limited, a storage unit for storing the electronic money created by the creating unit, and a usage period for the electronic money stored in the storing unit. An electronic money system, comprising: 8. A storage device provided in the electronic money system according to claim 7, wherein a usage period managing means for managing a usage period of the electronic money, and a usage period limited by the usage period managing means. A storage device comprising: electronic money management means for managing the electronic money; and notifying means for notifying a user of a usage period of the electronic money. 9. The terminal device provided in the electronic money system according to claim 7, wherein a judgment means for judging the usage period of the electronic money whose usage period is limited, and a judgment result of the judgment means. A terminal device for restricting the use of the electronic money based on the terminal device. 10. A creating unit that creates electronic money whose usage area is restricted, a storage unit that stores the electronic money created by the creating unit, and a usage area of the electronic money stored in the storage unit is restricted. An electronic money system comprising: a restricting unit for controlling the restricting unit and a sharing unit for sharing the restricting unit and the creating unit. 11. The storage device provided in the electronic money system according to claim 10, wherein a usage area management unit that manages a usage area of the electronic money, and the usage area is limited by the usage area management unit. A storage device comprising: electronic money management means for managing electronic money; and notification means for notifying a user of a usage area of the electronic money. 12. The terminal device provided in the electronic money system according to claim 10, wherein the judgment means for judging the usage area of the electronic money in which the usage area is restricted, and the judgment result of the judgment means A terminal device for restricting use of the electronic money based on the terminal device. 13. A creation means for creating electronic money in which the maximum amount of money used for a certain period is limited, a storage means for storing the electronic money created by the creation means, and electronic money stored in the storage means. An electronic money system comprising a limiting means for limiting the maximum amount of money used for a certain period. 14. The storage device provided in the electronic money system according to claim 13, comprising: a maximum spending amount management unit that manages a maximum spending amount of the electronic money for a certain period; and a maximum spending amount management unit. A storage device comprising: electronic money management means for managing the electronic money whose maximum usage amount is limited; and notification means for notifying a user of the maximum usage amount of the electronic money within a fixed period. 15. A terminal device provided in the electronic money system according to claim 13, wherein the determining means determines the period of use of the electronic money with the maximum amount of use for a fixed period limited, and the determining means. A terminal device, comprising: restriction means for restricting the use of the electronic money based on the result of the judgment.